Guide To Finding The Perfect Central Illinois House

Central Illinois is an area rich in cultural activities and
business opportunities. The quality of life experienced by
the residents of the numerous close-knit communities is
second to none. Citizens in the central Illinois area are
encouraged to participate in the many public events that
take place throughout the year. Business development and
opportunities are among the best in the country and there
is no shortage of top quality public services and

Buying a central Illinois house will be an investment in
your future. The real estate market in the area is booming
and property values are continually on the rise. If you are
searching for a house in central Illinois, there are
experienced Realtors available to assist you with every
aspect of buying a new home. Central Illinois is a
wonderful area in which to raise a family or start a
business. The local economy is quite competitive and
supports a wide range of industry. Local governments are
active in recruiting and expanding local business and the
educational opportunities are outstanding.

There are many choices in real estate if you are planning
to purchase a house in the central Illinois area. No matter
the price range you have in mind, a central Illinois
Realtor can assist you in locating the perfect house that
will suit your lifestyle and your budget. Diverse
neighborhoods and quiet rural properties give you numerous
choices and you are almost guaranteed to find just the type
of property you have in mind.

Owning a house in central Illinois will be a great
investment due to the increasing property values. A house
you purchase today will surely be worth more with each
passing year. Contact a central Illinois Realtor and you
will be well on your way to finding the perfect house in
the perfect neighborhood. Whether you are looking for rural
property or a home in one of the many charming communities,
there is a central Illinois Realtor that can assist you
with all your needs.

Illinois Veteran Grant – Veteran Services

This is an amazing Illinois grant for any Illinois veteran, currently enlisted or getting out of the military, who wants to go to school! 120 Semester Hours are paid for with this Illinois grant, and it has a decent GPA requirement in order to maintain your grant eligibility. Veterans must be a resident of Illinois within six months both before and after 1 year or more of active service or who served on federal active duty service in a foreign country during a time of hostilities in that country, and received an honorable discharge. When it comes to tuition assistance, this Illinois grant is by far the best in the country!

This Illinois grant program pays eligible tuition and allowable fees. While benefits are limited to use only at Illinois public colleges or community colleges, qualified applicants may use this tuition assistance grant at the undergraduate or graduate level for the equivalent of four academic years of full-time enrollment! Illinois Veteran Grant units are based on the enrolled hours for a particular term, not the dollar amount of the benefits paid, so there is a cost savings opportunity if you want to save the state some money.

If the recipient fails to enroll within this Illinois grant program for another term of a regular school year (not including summer), unless for reasons of being called to federal active duty service, only tuition and any mandatory fees will be paid during future periods of enrollment. Basically, they want you to stay focused on completing your course work, so that you can complete your degree program.


To be eligible for the grant, you must have served in the armed forces, which is inclusive of the reserves and Illinois National Guard, for at least one year. If you are no longer serving within the armed forces, you must have received an honorable discharge. (ROTC members are not eligible for the grant.) If you do receive benefits from the Illinois Veteran Grant while serving in the armed forces, you must verify upon discharge that you did receive an honorable discharge. Anything other than honorable will require that you refund awarded grant funding back to the state.

You must also have been an Illinois resident before entering active duty, or be a student at an Illinois state funded college or university prior to entering service. If you were not an Illinois resident or a student at an Illinois college or university prior to entering service, you must establish or plan to establish Illinois residency within six months of your discharge from the service. Spouses of military services members can also apply, but the husband or wife serving within the military must have met the residency criteria mentioned in this paragraph as well. They must either have been an Illinois resident or student prior to entering the service, or plan to become an Illinois resident within six month of their discharge from the service.

Student performance, as well as financial responsibility, requirements are also essential to receiving the Illinois Veteran Grant. You must first not have defaulted on any student loans, nor owe a refund for any federal or state provided grants. Secondly, your grade point average must be maintained above the minimum GPA requirements for the school that you are attending as well. If you received benefits

How to Apply

You can obtain an IVG Program application from your college’s tuition assistance or financial aid office, or the Illinois Department of Veterans’ Affairs field offices. Submit your complete application and required documentation as specified in the instructions. In order to ensure that your application is processed in a timely manner, be sure to carefully read the instructions, submit all required documentation, and contact a tuition assistance Counselor if you are uncertain about what documentation is needed.

Illinois Student Assistance Commission(ISAC) will send qualified applicants a Notice of Eligibility. It is important to keep a copy of the notice in order to present a copy to the college as needed. You must notify your college’s financial aid or tuition assistance office of your eligibility status as soon as possible, but not later than the last scheduled day of classes in the term for which a grant is requested.

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The Different Laws Governing The Daily Operations Of An Illinois Car Dealer

Every kind of event taking place in the United States is governed by a set of laws to make sure all is fair and legal in the world of human civilization.

Just as drivers on the road have their own set of standards that must be followed for a safe and legal driving experience, so too are car dealerships subjected to various laws dictating how car sales are to operate.

First, there is the Illinois Lemon Law whose main provision is protecting the car consumer from buying and thus having to deal with a brand new but defective vehicle. Though other states have lemon laws covering used cars, the lemon laws in the state of Illinois only apply to new cars that were bought within the state’s boundaries. New RV’s, new vans and light trucks under the 8,000 pound limit are also included in the Illinois lemon vehicle laws.

Under the stipulations of this law, a leased car is treated the same as a new car. Therefore, all Illinois car dealers recommend to their buyers that even if the vehicle they are interested in is leased instead of purchased outright, it is still just as important to keep careful documentation of repairs or problems had with the vehicle in question. This way, the consumer is then able to enjoy the full coverage that the Illinois lemon vehicle law provides to the state’s new car consumers.

Illinois also has strict requirements for those seeking a license to be able to sell motor vehicles.

To start, the applicant must prove that none of the individuals who hold more than ten percent of the company has violated any of the major vehicle laws more than one time in last three years. Such laws include the Illinois Vehicle Code Anti-Theft Law and the Illinois Vehicle Code for Dealers, Transporters, Wreckers, and Rebuilders.

Similarly, the Illinois car dealer also must not have more than two violations per year for the legal provisions that include: The Consumer Finance Act, The Illinois Wage Assignment Act, The Consumer Fraud Act, and the Motor Vehicle Retail Installment Sales Act.

In addition, any person that is intending on becoming a motor vehicle dealer in Illinois must first undergo a complete background check for his criminal history, including a fingerprint session where the fingerprinting receipt must be attached to the dealer application before the Secretary of State will issue him his business licensure.

Dealers of used cars have one other provision with which they must comply in order to legally conduct their business in Illinois. The owners of this type of motor vehicle business must fill out the extra documentation that discloses the rebuilt status of any previously owned vehicle on their lot so as to ensure that no laws are broken and no type of crucial information about the vehicle is left out of the transaction between the dealer, the buyer, and the Secretary of State who’s in charge of maintaining the business.

There are also Illinois car dealer laws centered around the way the car selling business itself is conducted. For example, there are special dealer-assigned plates that each new or used car on said dealer’s lot must contain before the vehicle can be put out for a test drive or a sale. And for those dealers who are selling both new and used cars, the rules state that the used cars must be parked in a separate area than the new cars or else the dealer is once again breaking the law.

Exploring the Heel of Illinois, or I Don’t Even Know Where I Am

Exploring the Heel of Illinois or I Don’t Even Know Where I Am We had a destination when we started. It was the blue grass festival in Bean Blossom Indiana. This year was special because it celebrated the 100th birthday of the father of blue grass, Bill Monroe. We had attended once before but never camped so we picked a large open field hoping for some peace and quiet. This property used to be Bill Monroe’s home and farm where he lived and enjoyed making music with friends and fox hunting. We followed the bright sound of strumming banjos and guitars to the stage. Soon we were taping our toes and reminiscing about the songs our grand daddies sang even though we grew up in Indianapolis far from the hills of southern Indiana. Dr. Ralph Stanley topped off the evening with his rendition of “Oh Death, Won’t You Spare Me Over for Another Year,” made famous in the movie, Oh Brother Where Art Thou? We made our way to our tent at about ten o’clock and lay down for a peaceful sleep. Unfortunately the kids on golf carts had other ideas. They were still racing around the field, revving their engines and shining their headlights into our tent when I finally looked at my watch. It read a shocking 2:30 a.m., and we pulled up our tent stakes and headed for Nashville, Indiana and a Comfort Inn were they were doing an audit and couldn’t access the computer. We finally got to sleep around three in the morning.

The next day we were on our way to New Harmony a place where the Rappites and Owens had tried to establish Utopian societies in the 19th century, to visit my friend, an artist who paints subjects from the nineteen fifties and architecture along old highways like US 40 and Route 66. Serendipitously she found an old drive-in restaurant on state road 66 and converted it into a studio. We enjoyed seeing pictures of James Dean, Hank Williams, women in full skirts and high heels ironing with their new Steam-o-matic’s or admiring their snow white electric washing machines or ranges. One couple danced around the kitchen in front of their new refrigerator looking like they had just returned from the prom. Giant ice cream cones atop tiny restaurants promised relief from the summer heat with no worries about fat or calories. No worries about Chesterfields or Lucky Strikes either. No worries period. Just the promise of suburban bliss or Utopia 50’s style.

It is then that we strayed from the beaten path by crossing the toll bridge just a block from my friend’s studio across the Wabash into southern Illinois. Here was a different world which we had unsuspectingly entered into the previous evening when we went to hear a folksinger in Grayville. Everything seemed fine if a bit surreal. He sang of a minor league baseball player who spent time in Lynchburg and ended up with a pinched nerve. A few songs later he launched into “South of Solitude” about entering into the labyrinthine roads of southern Illinois and getting lost resulting in the lyrics, “I don’t even know where I am,” and ending with the lyrics, “I don’t even know who I am.” We didn’t know it then, but we would soon live the song. There were a grand total of nine or ten people in attendance, four of whom were some young German guys not paying too much attention to the singer. We weren’t too surprised to see them as southern Indiana abounds in descendents of German settlers and German restaurants. Travelers are never too far from a good sausage and sauerkraut dinner. But here in Grayville the waitresses seemed quite surprised and happy to see them as they actually spoke German and were young and not too hard on the eyes. We found out that they were in town to work in the coal mine for eight days and were enjoying some Grayville nightlife. The singer ended with some Dylan songs and his friend accompanied him on the harmonica. “That’s what you get for Loving Me” seemed appropriate to end the set, and the German guys smiled and said goodbye in English.

The next day, at the suggestion of my friend, we ventured across the bridge again following a vintage Airstream travel trailer, which again lent an air of the fifty’s, into surreal southern Illinois again to see the Garden of the Gods. We had seen the one of the same name in Colorado Springs and were not expecting much by comparison. But we were pleasantly surprised by the beautiful and strange looking rock formations in the Shawnee National Forest. The wilderness area is over three hundred and twenty million years old and includes over 3,300 acres of beautiful old growth forest. The sediment rock in this area is over four miles deep and the fractured bedrock has created some interesting rock formations that represent various objects like anvils, camels, and mushrooms. Next we traveled south to the Ohio River and saw Pirates’ Cave at Cave in the Rock. Two riverboats had been built and had burned here, but now there was only the ferry taking cars and trucks across the river at no charge. As we reached the Kentucky side of the Ohio River, a truck with an oversize load in the form of an earth mover was waiting to board the ferry. We were glad we had crossed in the company of small cars.

Illinois – The Canary in the Coal Mine

A few months ago, we highlighted how Illinois was broke and that it would soon be the first state to have a junk bond rating. After all, the state has gone over two years operating without a budget.

The state is in shambles, running up $15 billion in unpaid bills, and according to CNN Money Watch, Illinois’ unfunded pension liabilities increased 25% in one year to over $250 billion.

In an attempt to raise revenues, the state officials did what all politicians and bureaucrats do, they raised every form of tax and fee possible. In fact, their proposed solution to overcome their $6 billion budget deficit is to raise taxes by $5 billion, or $1,125 per household per year.

The problem there is that people are leaving Illinois in droves. In 2016, almost 90% of all Illinois counties saw their population shrink. For the third year in a row, Illinois leads the US with the number of residents leaving the state. The population of Illinois is now the lowest it has been in a decade.

It is not just residents that are leaving, as businesses say they are being hit with a perfect storm of regulations and tax hikes this summer, putting a damper on hopes for business expansion and jobs growth.

“Earning a profit is getting to be a dirty word,” Mark Grant, Illinois state director of the National Federation of Independent Business, told Illinois News Network.

In her frustration with lawmakers, the state’s comptroller Suzana Mendoza stated…

“I don’t know what part of ‘We are in massive crisis mode’ the General Assembly and the governor don’t understand. This is not a false alarm.”

States are not like Federal governments who can print money out of thin air. States are more like real businesses in that they must balance their budgets as there is only so much money and credit available.

Illinois is the canary in the coal mine. It is an early warning that governments have made outlandish promises to workers in the form of unsustainable pensions funds, and these obligations can never be met.

Puerto Rico had a similar scenario a few months ago, basically they were bankrupt. Illinois is the second alarm in the US, and there will be many more to follow.

Politicians and government officials all over the globe have made promises that can never be met. The winners are those who get to collect on those promises right away, while the losers are those who are stuck with the bills long after the politicians have retired on their pensions.

For Illinois, the problems just magnify. By mismanaging their budgets for so long, investors are now fleeing Illinois bonds. This has caused a sharp spike in bond spreads on Illinois general obligation bonds, making it costlier for the already cash-strapped state to borrow.
The state’s pension crisis threatens to burden taxpayers with massive, ever-escalating taxes to bail out a system that is simply not sustainable. And every day Illinois goes without a solution to its pension crisis, the state’s pension debt grows by over $20 million.

Who Will Buy Your Business

The old saying is true – it only takes one buyer to make a sale successful. However, it’s not just any buyer who can make your sale successful. It is a buyer who has the money and who is qualified to complete the sale. Thus, while you only need one buyer, it is important to find the right buyer.

What Makes a Good Buyer?
There are two key factors that make a good buyer. First, the buyer should have the money, or the ability to get the financing required. Second, the buyer should be acceptable to you in terms of what the buyer wants to do with the business. In many cases you will not, and should not, care what the buyer wants to do with the business as long as you are getting a fair price for the sale. However, if there are extenuating circumstances, such as a business that will continue to use your family name, you may be more interested in the buyer’s future plans.

How Your Business Broker Can Find a Good Buyer for Your Business:
Business brokers have distinct advantages over business sellers when it comes to finding the right buyer. Specifically, your broker:

Has a Network of Interested Buyers:
There are more buyers than sellers of businesses and that works to your advantage. Your business broker, is likely to have a network of buyers who are waiting for a particular kind of business to come on the market. If your business fits their criteria then as your broker, they may be able to negotiate a deal with a buyer whom you would not have otherwise known.

Knows How to Confidentially and Effectively Market Your Business:
Business brokers knows that it is important that the potential sale remain confidential. Yet, the business needs to be marketed to reach the greatest number of potential buyers. An experienced business broker knows how to effectively complete both of these objectives.

Knows How to Screen Buyers:
Not every potential buyer who expresses interest in your business is going to be qualified. Most business brokers know what questions to ask to determine if the buyer is seriously interested in going through with the sale and to determine if the buyer has the funds or the ability to get financing that will be necessary to complete the sale. Thus, you will not be wasting time with buyers who will not end up purchasing your business and you can devote your time and energy to qualified buyers.

For these reasons, many business sellers find it advantageous to partner with an experienced business broker to concentrate on finding the right buyer while the seller continues to concentrate on operating the business.

Leasing Office Space In Waukegan, Illinois

Office space leasing in the Chicago suburbs is a popular choice nowadays for Illinois business owners. Waukegan is a highly sought after locale for business owners who have companies in a wide array of industries. This city is the county seat of Lake County and was estimated to have a population of 88,826 in 2013. Waukegan is located 40 miles north of Chicago and offers big city living in a suburban destination.

What Waukegan Offers Business Owners

Leases are readily available throughout the large city of Waukegan. If you’re wondering why to select Waukegan for your commercial office space, there are plenty of answers to this question. First, Waukegan is outside of the Chicago area but still has a big city atmosphere. This is a benefit to business owners who don’t wish to work in the downtown Chicago area but do want to have access to all of the wonderful aspects of a larger city.

Also, when you choose an office space lease in Waukegan, you will have a commercial lease in a spot that has plenty of convenient features associated with it. You will have ease of access due to various interstates and local roadways going in and out of Waukegan. There are also many public transportation options for those without cars or those who simply prefer public transportation to get around town. In addition, parking is much easier in a city like Waukegan as opposed to parking in the downtown Chicago area.

Business owners who lease an office in Waukegan will be in an area that has plenty of amenities right at one’s doorstep. Dining, shopping, recreation and entertainment options are in full effect in Waukegan. Downtown Waukegan is filled with shops and restaurants. For those craving entertainment, there are many things to do in Waukegan. The Waukegan BMX Track, Bowen Park Theatre and Opera Company, Genesee Theatre, Jack Benny Center for the Arts and more offer an eclectic array of activities for all of Waukegan to enjoy.

Another aspect which business owners are sure to appreciate about Waukegan is that businesses of all types are welcome in this city. There are zoning regulations regarding what type of business can operate where but all are welcomed with open arms. Commercial leases of all types are offered as well. Whether you need a single office for a professional company or a large corporate building to accommodate your corporation, you will find a lease to suit your individual commercial needs in Waukegan.

Find a Waukegan Office Space Lease with Ease

Before you settle on a particular office space lease, speak with a tenant representative. This real estate professional will help you to find the right office building and will continue helping you even after the lease is signed. When searching for office space to lease, make sure to consider all commercial needs first prior to settling on a particular spot. Consider size of the space, cost, parking availability, commercial opportunities, lease terms and more.

Microsoft Dynamics GP Great Plains Illinois – Implementation Notes

Microsoft Great Plains implementation, customization, report design, integration and software development notes. Illinois MRP customers needs and solutions highlights

Microsoft Business Solutions Great Plains is very robust mid-size ERP platform. With Microsoft Dynamics project trends, GP is now integrating with Microsoft Office product stack and exposed through such tools as eConnect and Microsoft Dexterity to Microsoft developers community. In this small article we would like to highlight Illinois businesses specifically and how Microsoft Dynamics GP fits

o Distribution & Logistics. The city of Chicago is one of the largest railway hubs, plus the west suburbs we see flourishing warehouses with light manufacturing & assembly with following delivery across the Midwest, US nationwide and Canada. Microsoft Dynamics GP could be integrated with legacy cargo tracking system through eConnect or SQL stored procedures integration. Considering XML Web Services interface option and MS SQL Server linked server mechanism – such an integration could work in cross-platform environment: Oracle, Sybase, IBM DBII data migration to GP on MS SQL Server

o Chicago downtown service businesses. Such businesses as advertisement & publishing usually needs robust collection management functionality, allowing to assign collection calls to regional and product collection officers. In recruiting & staffing you could consider deployment of some features of GP Project Accounting, where your customers are your projects and you have your temps log time & expenses against these project to be accurately billed out.

o Food Processing. This is typically referred as process manufacturing, when you can not exactly predict what will be the outcome from one unit of incoming ingredient (opposite to discrete manufacturing). Process manufacturing requires such third parties or custom modules, which allows you to catch random weight items, store them in units in your inventory and then sell by pounds to retail or small wholesale customers – this is classical Dexterity customization realm

o Agriculture. When we are talking about farmers cooperation, good example would be repair crews, serving elevators and farm machinery – Service Management Suite fits this scenario with possible customization and extended reporting

First Steps to Starting Your Own Business

Before putting up that sign and opening for business, there is a significant amount of work you will need to do. The following paragraphs include some of the things you will need to complete before you can open your business.

Assess The Need
Is there really a need for the goods or services you are going to offer? Many new business owners overlook this very important point. People will often go into business offering a product or service they are good at producing but never really considered if the product or service would be useful to other people. The easiest way to find out is to ask people what they want or need.

Research The Competition
Now that you have determined that there is indeed a need for what you are offering, it is time to find out who else offers the same goods or services. Find out who your serious competitors are. You want to know what makes people want to do business with them. You also need to know what it is about your competitor that people don’t like. Be sure to not imitate the competitor’s faults. Also, you will need to determine if your market will support another business like the one you are opening. Do not assume that you will “steal” your competition’s customers. People are creatures of habit and it may be difficult for them to change to an unknown business.

Will You Make A Profit
This one is a tricky one because there are so many variables that affect the profitability of a business. But, you have to analyze everything you know (and don’t know) about the business you are starting. Everyone says it is great owning a business doing something you “love”, but how long do you think you will be doing that thing you love if you don’t make money? You are at a point in your venture where you need to create a “Break Even Analysis”.

A break even analysis is just a document where you list your projected expenses for a 12 month period to determine the dollar amount your business needs to generate just to pay the bills. You then need to look at your projected sales for the same period of time and try to make a determination if this is worth it. The first 2 or 3 years you will probably show a loss, but after that 5th year you should see decent profits if the business is viable. If you can’t show a profit after year 4 on paper, it is probably not a good idea to start that business. You will need to be honest about sales and expenses, avoid the temptation of being overly optimistic.

Seek Professional Help
Now is not the time to start cutting corners. A good accountant, lawyer, and any other business or financial professional is worth their weight in gold. If you don’t currently have these people as a part of your business team, you need to find them fast. Ask friends and relatives if they have any recommendations and be sure to check references. Don’t hire a family law attorney when you need a corporate lawyer just because it is your 3rd cousin. Good professionals (notice the emphasis on good) can save you thousands of dollars over the life of your business by helping you to avoid pitfalls and obstacles. An attorney should review every scrap of paper before you sign your name.

Location, Location, Location
You will need to find a few locations they may work for your business. Before you sign that lease, ask yourself if your type of business needs to be in a “high profile” area to succeed or can you do just as well off the main strip. This is important because the high profile areas usually mean high rent. But if your business will depend on high profile, then high rent is going to be a cost of doing successful business. You may want to consider purchasing over renting, be sure you factor this into your startup costs as it may cost you a considerable amount more to buy, but it may save you thousands in the future. Be sure to have a lawyer review any lease or contract in advance.

Your Gonna Need Money, Lots of Money
Be sure you determine your capital needs before open your business. In their optimism about owning a business, new business owners tend to under estimate the amount of money they will need to open and operate their business. This is probably one of the biggest mistakes new business owners make. In my opinion, you should determine your financial needs by listing your startup costs, then list your monthly operational costs. Now pretend that your first customer will not make a purchase until your 3rd month of business. If I were you, I would be sure to have enough capital to operate my business without 1 cent in sales for at least 3 months, you never know what will happen.

Now You Need A Good Plan
Once you have completed the previous steps, you are ready to complete the most important step, your business plan. A good business plan is like a map, it helps you find the path you need to take to get you to your destination. Also, if you plan to seek financing for your business, most banks and investors will require a business plan. Even if you don’t plan to borrow money, you should create a business plan. And you should make it a point to review the business plan frequently. This practice helps keep you on track and will help get your business to the next level. A lot of the information you will need for your plan will come from the previous steps discussed on this webpage. I have provided a link to the right on how to write a good business plan.

Galena Illinois Businesses Needed

Located in the northwest corner of Illinois, Galena is a thriving community. Main Street is bustling and features over 100 shops and restaurants. Galena attracts visitors from Chicago and other parts of Illinois, as well as Iowa, Minnesota and Wisconsin.

Why start a business here? It has a small town atmosphere (3,500 population) that provides a good quality of life. Crime is low, schools are great and housing is affordable. Many residents are from Chicago (about 3 hours away), visited here and then decided to re-locate. Housing costs much less than Chicago and traffic is not a problem in Galena.

What type of businesses do well? Any type that caters to both residents and visitors. Unique and hand-made items are very attractive. There a number of local artists. Some have their own galleries. Others have space in either the Galena Artist Guild Gallery or the Hello Galena Shop. Still others have their work on consignment in some of the retail stores. Other “made in Galena” items include cheese cakes, purses and handbags, candles, furniture, pottery, candies, jewelry. Galena boasts both a winery and a brewery.

High speed internet, so additional avenues of opportunity are opened. You can either work from home or use an inexpensive office location.

What personal qualities are important? Galena is a “word of mouth” town. Good news spreads fast – bad news even faster. Customer service is key. Food service is particularly vulnerable. Guests must be properly greeted, Service must be good, food and drinks above average. Prices must represent value. Retail shops must acknowledge customers but allow some “adjustment” time. Upon immediately entering a shop, questions such as “where are you from” or ‘what are you looking for” should be held for the proper moment.